THE CANNABIS INVESTORS GROUP HELPS OUR MEMBERS TO IDENTIFY THE NEXT CRYPTOCURRENCY COINS THAT GROW AS BIG AS BITCOIN. FOR OUR FREE 44 PAGE OPPORTUNITY BOOKLET:1-800-311-9882 USE INVITATION CODE 586092187

HATE MAIL!

The reason for Hate Mail and How To Respond.Improve your customer service skills. Report with Reprint Rights $3.00WRIGHT'S COPO BOX 1886HORSHAM, PA 19044http://wrightsco.com133

THE CANNABIS INVESTORS GROUP HELPS OUR MEMBERS TO IDENTIFY THE NEXT CRYPTOCURRENCY COINS THAT GROW AS BIG AS BITCOIN. FOR OUR FREE 44 PAGE OPPORTUNITY BOOKLET:1-800-311-9882 USE INVITATION CODE 586092187

ON-LINE SHOPPING MALLS!

Do you shop at Wal-Mart, Target, Walgreen's, K-Mart, Radio Shack? How would you like to receive cash back, plus free entries in the $1,000,000 sweepstakes or join our affiliates program and receive 90% commission sales. Just go to: www.myedgeco.com/savings/jg6478 89

"Money Blocks"It's Greater Than Any Lottery...In The World!!!Simply Visit US NOW AT:www.jkirkman.com/655A.Even More Information At:infojet.biz/018It Pays To Be...."Different"...Make The "Difference" TODAY!!

Avoid credit card traps
If youíre like most Americans, offers for credit cards arrive in your mail on a daily basis. Why are credit card companies so eager for your business? There are many reasons.

Credit cards, for one thing, are not free cash. Funny enough, many customers think of them this way, and thatóaha!óis how credit card companies make their money.

Youíll notice when you read through the fine print about credit cards that there are varying APRs, or annual percentage rates. This refers to the amount of interest youíll pay on credit card charges if you donít pay your monthly balance in full. Think about the last time you went shopping. Did you look at the tags and make sure everything you bought could be paid with your monthly paycheck? If not, you are a credit card companyís dream come true. You see, these companies bank on the chance that consumers will use their credit cards to buy more than they can actually afford at the time of purchase. When the bill comes and it canít be paid in full, the customer pays interest on this borrowed amount, and that interest accrues daily. This money goes right into the credit card companyís bank account. With thousands of customers falling into this predicament on a monthly basis, you can see where the companies get rich quick.

But how can you avoid falling into the credit card trap? A little forethought and budget planning can help you prevent paying interest and still allow you to benefit from credit card perks.

Take mileage credit cards, for example. Most airlines offer credit cards that earn you frequent flier miles based on the number of dollars you spend. Enticing, right? Sure. Just be careful to know how much you are able to spend in a month, and donít let yourself go over the top. Itís easy to check your credit card balance online or by telephone. Know when the closing date is for your monthly statement, and make sure you stay below your limit. That way you can take advantage of the bonus without digging yourself into a rut.

Speaking of the credit card rut, letís go back to that interest thing. Did you know that interest, if left unpaid, also accrues interest? Take a look at this example. You have racked up $10 in interest on your credit cards in one month, based on a balance of $100. (This assumes a 10% monthly interest rate.) Because you leave that unpaid, the next monthís interest accrues on the new balance of $110. That means the next month you owe an additional $11! Thatís a $21 total fee for your $100 in purchases. Did you really find a bargain when you bought that jacket at 20% off? Probably not.

If you buy responsibly and keep track of your purchases, you can avoid credit card traps. Be a smart consumer, and credit cards can work in your favor.